Pratique du Shadowing: this is not financial advice... it's AI - Apprendre l'anglais à l'oral avec la vidéo
Choisissez un mode d'entraînement
Chaque mode ouvre une salle d'entraînement en plein écran.
130 phrases
Si les phrases sont trop courtes ou trop longues, cliquez sur Edit pour les ajuster.
1
Back in the day, Wall Street was run by the people.
2
You know the type: suits, nice watches, and egos the size of small countries.
3
It was the Gordon Gekko and Jordan Belford archetypes.
4
Because for most of modern financial history, investing with money managers and financial advisors was pretty straightforward.
5
You hired a person, that person read through filings, listened to earnings calls, analyzed trading multiples, and then ignored all of it because he had a hunch about a biotech startup.
6
It was a truly poetic system, because sometimes they were right.
7
More often, they were wrong, but at least it felt human.
8
And that's because there was always a story involved.
9
Whether that story was the management looks strong, the balance sheet is stock feels cheap, which, if we're being honest,
10
is just astrology for men who wear cufflinks.
11
And for decades, crafting stories was the norm.
12
Markets were inefficient, data moved slowly, and information advantages actually existed.
13
It was the peak of capitalism and financial markets.
14
But then, something happened that changed everything.
15
The math nerd showed up, Guys named Yang, with PhDs from Harvard, three math Olympiad medals, and dreams that exclusively consist of probability distributions.
16
And in the late 1980s, these nerds banded together because they realized something: markets weren't entirely random.
17
They were statistical.
18
Patterns exist, human behavior repeats, and market inefficiencies open the door for opportunities.
19
And this is where quantitative investing began.
20
Because instead of asking, "Is this a good company?" the quants were asking, "Given these variables, what's the expected outcome?" It was rules over narratives,
21
probabilities over opinions, math over gut feelings.
22
And it worked.
23
Quantitative hedge funds began popping up out of nowhere like acne on a teenager, and the most infamous of which was Renaissance Technologies, and more specifically, the Medallion Fund.
24
Renaissance Technologies' flagship hedge fund, and it was founded by mathematician Jim Simons.
25
He believed in using purely mathematical and statistical models to predict market movements.
26
Meaning no fundamental stock picking, no CNBC interviews, and no magic genie hiding inside a Bloomberg terminal.
27
It was just purely math, algorithms, and machine learning.
28
And it worked.
29
Obscenely well.
30
Because for more than two decades, the Medallion Fund generated over 60 % annualized returns before fees, and roughly 39 % after fees.
31
And for context, Warren Buffett averaged around a 19 % annualized return over his career.
32
you'd end up with around $324 ,000.
33
But if you invested that same $10k with the Medallion Fund's returns, that $10k would have grown to a little over $7 million.
34
So yeah, you could say the Medallion Fund was pretty successful.
35
and it transformed the industry.
36
Because instead of humans making all the judgment calls, now people leveraged systems that dynamically reacted to things like price movements,
37
order flow, volatility, and countless other variables, and these algorithms operated at speeds that no human could ever compete with.
38
And while Quant Funds were quietly becoming one of the favorite investment vehicles for institutions and high net worth individuals, there was something else unraveling with the everyday investors.
39
do have the ability to outperform through discretionary stock picking.
40
These people are very few and far between, and by the early 2000s, the data proving this was starting to pile up.
41
Because it turns out that these active fund managers actually kinda stink at picking stocks.
42
And not just occasionally, and not just during bad years, but consistently.
43
And study after study showed that roughly 90 % of active equity fund managers underperform managing your money,
44
it's even worse.
45
So investors began asking questions like, "Why am I paying extra to underperform?" And this is where index investing enters the story.
46
It's low -cost, passive, and designed to replicate the entire market's performance.
47
And it was gaining popularity among the average everyday investors.
48
Instead of searching for the needle in the haystack, investors simply began buying the whole haystack.
49
So while retail investors were moving away from money managers and financial advisors, and towards index funds and ETFs, institutions were doing something similar.
50
They were reallocating capital from traditional active fund managers toward other alternatives like quant firms, private markets, and in -house teams.
51
Either way, we began seeing the traditional stock -picking money manager role slowly becoming obsolete.
52
Capital was flowing out of the industry, fees were compressing, and careers evaporated.
53
But even though this was a dying industry, there was still a demand for portfolio management and the benefits it includes.
54
Things like rebalancing, asset allocation, and tax optimization.
55
The boring stuff.
56
And that's where we are today, and where robo -advisors come into the story.
57
But before we go any further, let's clarify something first.
58
If you hear that robo -advisors use algorithms to manage portfolios, you'd be right.
59
But this is not in the same way that quantitative hedge funds use algorithms.
60
Because quantitative hedge funds, like Renaissance Technologies, or Two Sigma, use algorithms to exploit micro -sigmas microsecond market inefficiencies,
61
statistical arbitrages, and other active trading strategies, all in the pursuit of generating alpha.
62
Comparing how quant firms use algorithms to how robo -advisors use algorithms is like comparing a Michelin star chef to Chef Boyardee,
63
because robo -advisors are essentially just automated investment platforms designed to deliver low -cost market returns with minimal human involvement.
64
They're not trying to compete with quant firms, they're involved with having a money manager.
65
Robo -advisors handle the asset allocation, rebalancing, tax optimization, and the rest of the portfolio busywork.
66
It's all the boring stuff your financial advisor would charge you 1 % a year to do in Excel.
67
And investors love this value proposition.
68
Platforms like Wealthfront, Betterment, and other robo -advisors began exploding in popularity.
69
Because 10 years ago, Wealthfront had just $2 billion in assets under management.
70
And if you fast forward to today, well, that number has grown 40 -fold to $80 billion in the world in total client assets.
71
And it's not just Wealthfront.
72
Globally, RoboAdvisors managed around $187 billion in 2017.
73
And by 2023, that number had grown to nearly $2 .8 trillion.
74
And by 2027, it's estimated to reach $4 .7 trillion.
75
This isn't just a niche trend in finance.
76
It's a structural shift in a long, stagnant industry.
77
But it's not all sunshine and rainbows either, because robo -advisors have some blatant issues.
78
But before I jump into that, a quick pause.
79
Because this video is sponsored by Surfshark.
80
Surfshark is a VPN service, and the reason I like it is pretty simple.
81
It's built for people like me who don't want to constantly have to manage their privacy online.
82
With Surfshark, you just turn it on, and your internet traffic is encrypted, your IP is hidden, and your data stays private.
83
And the best part?
84
You don't need to count how many devices you have, because with Surfshark, you can set up one account and use it on unlimited devices.
85
It also comes with features like the Email Scam Checker, which helps detect phishing attempts and protect your personal information.
86
And if your data does ever show up in a breach, Surfshark Alert notifies you right away.
87
And that's why Surfshark is more than just your standard VPN.
88
It's an all -in -one solution for online privacy.
89
Because whether you're working from home or traveling abroad, Surfshark helps keep your information secure wherever you are.
90
And they're so confident in their service, they offer a 30 -day money -back guarantee.
91
If you want to check it out, you can go to surfshark .com /casualfinance, or just use code casualfinance at checkout, and get four extra months of Surfshark VPN.
92
Thank you to Surfshark for sponsoring this video.
93
And now back to robo -advisors and the issues that nobody seems to be talking about.
94
Because on the surface, robo -advisors sell personal personalized investment solutions.
95
But while they may feel like a sophisticated, tailor -made solution for your investment strategy, the truth is, they're nowhere near as personalized as they appear.
96
Because they start by asking you to complete a questionnaire.
97
It covers things like your age, income, time horizon, goals, and a few other questions.
98
It feels intentional, thoughtful, and crafted specifically for you.
99
But in reality, it's not.
100
Because after you answer the questionnaire, instead of being crafted an individual investment plan for yourself,
101
you're actually categorized into a bucket and slotted into a model portfolio that's shared by thousands of other people with similar answers.
102
And that is where a lot of people misunderstand robo -advisors.
103
They aren't some hyper -intelligent AI crafting a unique portfolio specifically for you.
104
They were designed to replace the operational role of a traditional financial advisor.
105
All the stuff that used to require meetings, paperwork, and a guy named Gary to explain beta with a laser pointer is no more.
106
Because for decades, financial advisors weren't really paid for generating alpha or outperforming in the markets.
107
They were paid for access.
108
Access to markets, access to investment products, and access to information.
109
And for a long time, that made sense.
110
Markets were opaque, data was expensive, and investing without guidance felt like trying to assemble IKEA furniture without instructions.
111
But then the internet showed up.
112
Information asymmetry disappeared, market data became free, and research tools went mainstream.
113
And suddenly financial advisors weren't guarding the gates anymore, and paying someone 1 % a year started to feel questionable.
114
And that's the real draw of robo -advisors.
115
And travel agents didn't disappear because people stopped traveling.
116
They disappeared because booking a flight stopped requiring a phone call.
117
Stockbrokers didn't disappear because people stopped trading.
118
They disappeared because clicking a "Buy" or "Sell" button online was faster than calling some guy named "Rick" on the trading floor.
119
technology.
120
And that's exactly what's happening with robo -advisors.
121
They're automating the middleman layer of the investment management world.
122
Which is why this isn't a story about robo -advisors being good or bad.
123
It's a story about what happens when technology finally reaches a stagnant industry.
124
So now I'm curious to hear where you land on things.
125
Have you ever used a robo -advisor?
126
Would you trust one with your money?
127
Drop it in the comments below and let's see how the investment landscape is changing.
128
Because whether it's quant firms replacing discretionary managers or robo -advisors replacing traditional financial advisors, the direction is the same.
129
When technology touches a stagnant industry, it doesn't make small tweaks.
130
It forces fundamental changes.
Télécharger l'application
Tout pour parler couramment
Prononciation IAChaque phrase notée
Phonétique (IPA)Maîtrisez chaque son
VocabulaireEnrichissez votre lexique
Jeu de vocabulaireApprenez en jouant
Même chaîne
B23
The Stock Market Is Being Used as a Dumping Ground
Daily ConversationWorking Adults
C12
To Save the Economy... We’re About to Break It
Daily ConversationWorking Adults
C12
The $2.5 Trillion Credit Wave Nobody Sees Coming
Daily ConversationWorking Adults
C12
it’s boring, but it’s what bursts the ai bubble
Daily ConversationWorking Adults
C13
The World's Safest Market Is Breaking
Daily ConversationWorking Adults
B22
The Recession's Already Here… Open Your Eyes
Business EnglishDaily ConversationUniversity Students
B25
The New American Housing Crisis Has Landed
Business EnglishUniversity StudentsWorking Adults
B23
The Stock Market is BROKEN (just accept it)
Business EnglishUniversity StudentsWorking Adults
B22
Something Feels Off About 2026...
Business EnglishUniversity StudentsWorking Adults
B26
The SpaceX IPO... It's Worse Than You Think
Business EnglishUniversity StudentsWorking Adults
C111
The AI Bubble Survives on $1.65 Trillion in Hidden Debt
Business EnglishDaily ConversationUniversity Students
B21
Bitcoin Is a Brilliant Scam and I Can Prove It (Again)
Business EnglishUniversity StudentsWorking Adults
B23
Private Credit: The Secret Industry Taking Over Wall Street
Business EnglishUniversity StudentsWorking Adults
B21
Every Type of Investor Explained in 6 Minutes
Business EnglishUniversity StudentsWorking Adults
B23
Why The Dumbest Investors Win (it's not why you think)
Business EnglishWorking Adults
B23
The Inflation Problem... It's Worse Than You Think
Business EnglishDaily ConversationUniversity Students
B22
Crypto Is a Brilliant Scam and I Can Prove It
Business EnglishDaily ConversationUniversity Students
B24
The 1973 Stock Market Crash that Nobody Remembers
Business EnglishUniversity StudentsWorking Adults
B24
The (Inevitable) United States Debt Crisis
Business EnglishDaily ConversationUniversity Students
C14
The AI Bubble… We Need to Talk
Business EnglishUniversity StudentsWorking Adults
FOR YOU
Vidéo recommandée
B21
190 phrases
This 25-Year-Old Built a 2-Year Moat Nobody Can Bet Against | Corgi, Nico Laqua & Emily Yuan
Business EnglishUniversity StudentsWorking Adults
B21
248 phrases
If you’re trying to get rich with AI, you need to hear this…
Business EnglishUniversity StudentsWorking Adults
C1480 phrases
Everything Valuable from an MBA in 25 minutes
Business EnglishUniversity StudentsWorking Adults
B25
399 phrases
The Wolf of Wall Street (2013): TOP 3 BEST SCENES
Business EnglishUniversity StudentsWorking Adults
C12
41 phrases
Mathematical Statistics and the Theory of Probability in Casinos
Business EnglishUniversity StudentsWorking Adults
C19
47 phrases
The most interesting "hack" in history...
American AccentBusiness EnglishUniversity StudentsWorking Adults
B21
181 phrases
8 Years of Data Analytics Advice in 12 Minutes
Business EnglishInterview EnglishUniversity Students
B23
588 phrases
The Psychology of Money in 33 minutes | Animated Book Summary
Business EnglishUniversity StudentsWorking Adults
C143
6 phrases
Ray Dalio on the AI Bubble
Business EnglishUniversity StudentsWorking Adults
C1466
25 phrases
The Human Economy in the Age of AI | Ben Pascut | TEDx
IELTS PrepBusiness EnglishUniversity Students
Vocabulaire et conseils d’expression pour cette leçon
Cette leçon d’expression orale de niveau B2 s’appuie sur la vidéo « this is not financial advice... it's AI ». Les mots qui reviennent le plus souvent : advisor, robo, fund, surfshark, financial. Cette vidéo contient 130 phrases et 1722 mots à répéter en shadowing. La partie parlée dure 10:28. Le locuteur parle à un rythme naturel d’environ 164 mots par minute, proche d’une conversation courante. Seuls 74 % des mots font partie des 3 000 mots les plus courants en anglais, le vocabulaire est donc exigeant.
Vocabulaire clé de cette vidéo
Les 15 mots les plus avancés de la vidéo, avec leur prononciation et leur sens :
| Mot | Prononciation | Sens |
|---|---|---|
| advisor nom | /ædˈvaɪ.zə(ɹ)/ | conseiller, conseillère |
| algorithm nom | /ˈælɡəɹɪðm̩/ | algorithme |
| investor nom | /ɪnˈvɛs.tə(ɹ)/ | investisseur, investisseuse |
| quantity nom | /ˈkwɑn(t)ɪti/ | quantité |
| disappear verbe | /dɪsəˈpɪɹ/ | disparaître |
| quantitative adjectif | /ˈkwɑn.təˌteɪ.tɪv/ | quantitatif |
| hedge nom | /ˈhɛd͡ʒ/ | haie |
| portfolio nom | /pɔːtˈfəʊ.liˌəʊ/ | portefeuille |
| mathematics nom | /mæθ(.ə)ˈmæt.ɪks/ | mathématiques |
| statistical adjectif | /stəˈtɪs.tɪ.kəl/ | statistique |
| automate verbe | /ˈɔ.təˌmeɪt/ | automatiser |
| discretionary adjectif | /dɪsˈkɹɛʃəˌnɛɹi/ | discrétionnaire |
| haystack nom | /ˈheɪˌstæk/ | meule de foin |
| inefficiency nom | inefficacité | |
| personalize verbe | /ˈpɜː.sə.nə.laɪz/ | personnaliser |
Les verbes à particule que vous entendrez
| Mot | Prononciation | Sens |
|---|---|---|
| show up verbe | apparaître, se montrer se pointer | |
| pile up verbe | amonceler, empiler | |
| set up verbe | /ˌsɛt ˈʌp/ | mettre en place, installer |
| turn out verbe | se finir, se terminer |
Prononciation à surveiller
Le locuteur utilise 23 contractions et formes réduites, comme they're, weren't, didn't. Prononcez-les sous leur forme courte, telles que vous les entendez.
- Les sons « th »: algorithm /ˈælɡəɹɪðm̩/, mathematics /mæθ(.ə)ˈmæt.ɪks/, mathematician /ˌmæθ.(ə.)məˈtɪʃ.ən/, thoughtful /ˈθɔːtfəl/, mathematical /ˌmæθ(.ə)ˈmæt.ɪ.kəl/
- Les sons « sh » et « zh »: discretionary /dɪsˈkɹɛʃəˌnɛɹi/, optimization /ˌɑptəmaɪˈzeɪʃən/, allocation /ˌæl.əˈkeɪ.ʃən/, arbitrage /ˈɑɹbɪˌtɹɑʒ/, inefficient /ˌɪn.ɪˈfɪʃ.ənt/
- Mots longs — placez bien l’accent: quantitative /ˈkwɑn.təˌteɪ.tɪv/, portfolio /pɔːtˈfəʊ.liˌəʊ/, mathematics /mæθ(.ə)ˈmæt.ɪks/, statistical /stəˈtɪs.tɪ.kəl/, discretionary /dɪsˈkɹɛʃəˌnɛɹi/
Les sons difficiles pour les francophones :
- /h/ — il se souffle, il n’est pas muet: hedge /ˈhɛd͡ʒ/, haystack /ˈheɪˌstæk/, horizon /həˈɹaɪ.zən/
- /tʃ/ et /dʒ/ — à ne pas adoucir en « ch » et « j »: hedge /ˈhɛd͡ʒ/, questionnaire /ˌk(w)ɛstʃəˈnɛə/, astrology /əˈstɹɒlədʒi/, checkout /ˈt͡ʃɛkˌaʊt/, questionable /ˈkwɛst͡ʃənəbl̩/
- /r/ anglais — langue recourbée, sans frotter la gorge: advisor /ædˈvaɪ.zə(ɹ)/, robo /ˈɹoʊboʊ/, algorithm /ˈælɡəɹɪðm̩/, investor /ɪnˈvɛs.tə(ɹ)/, disappear /dɪsəˈpɪɹ/
Comment s’entraîner avec cette vidéo
- Écoutez la vidéo en entier une fois sans parler et notez les mots que vous ne connaissez pas.
- Commencez à la vitesse 0,75×, répétez phrase par phrase, puis revenez à la vitesse normale quand cela devient facile.
- Enregistrez-vous et comparez avec l’original, en faisant attention à des mots comme advisor, algorithm, investor.
Qu'est-ce que la technique du Shadowing ?
Le Shadowing est une technique d'apprentissage des langues fondée sur la science, développée à l'origine pour la formation des interprètes professionnels. Le principe est simple mais puissant : vous écoutez de l'anglais natif et le répétez immédiatement à voix haute — comme une ombre suivant le locuteur avec un décalage de 1 à 2 secondes. Les recherches montrent une amélioration significative de la précision de la prononciation, de l'intonation, du rythme, des liaisons, de la compréhension orale et de la fluidité.